| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S&K FINANCIAL AND INSURANCE SERVICE3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | KAISER FOUNDATION HEALTH PLAN INC | $43K | $0 | $43K | 4.58% |
| LIS INSURANCE SOLUTIONS3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | HEALTH NET | $29K | $0 | $29K | 5.00% |
| S&K FINANCIAL AND INSURANCE SERVICE3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | DELTA DENTAL OF CALIFORNIA | $6K | $0 | $6K | 5.00% |
| CAMERON BELL3 | 2390 CRENSHAW BOULEVARD, SUITE 307 TORRANCE, CA 90501 | AFLAC | $3K | $23 | $3K | 9.94% |
| HANS ERIC ANDERSON3 Filed as: HANS ANDERSON | 6808 SAINT ESTEBAN STREET TUJUNGA, CA 91042 | AFLAC | $626 | $0 | $626 | 2.19% |
| S&K FINANCIAL AND INSURANCE SERVICE3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | AFLAC | $618 | $0 | $618 | 2.16% |
| MJ INSURANCE3 Filed as: STEVE GOLDSTEIN AND VARIOUS AGENTS | 6255 VENTURA CANYON DRIVE VAN NUYS, CA 91401 | AFLAC | $460 | $0 | $460 | 1.61% |
| DAVID HERNANDEZ3 | 2239 WEST 190TH STREET TORRANCE, CA 90504 | AFLAC | $339 | $5 | $344 | 1.20% |
| MARSHALL MCDONALD3 | 17031 SUMMERS WALK BOULEVARD DAVIDSON, NC 28036 | AFLAC | $133 | $0 | $133 | 0.46% |
| TALHA ZAQUIR RAHMAN3 Filed as: TALHA RAHMAN | 10973 PRESCOTT DRIVE FRISCO, TX 75033 | AFLAC | $125 | $0 | $125 | 0.44% |
| S&K FINANCIAL AND INSURANCE SERVICE3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| S&K FINANCIAL AND INSURANCE SERVICE3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $995 | $0 | $995 | 6.83% |
| HANS ERIC ANDERSON3 Filed as: HANS ANDERSON | 320 HOLSTEAD, SUITE 170 PASADENA, CA 91107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 2.11% |
| STEVEN GOLDSTEIN3 | 6255 VENTURA CANYON DRIVE VALLEY GLEN, CA 91401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 1.30% |
| KHACHATOUR MANOUKIAN3 | 928 NORTH VERDUGO ROAD GLENDALE, CA 91206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 1.30% |
| MARSHALL MCDONALD3 | 415 DAVIDSON GATEWAY DRIVE, UNIT 7 DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.57% |
| MICHAEL R. FISHER3 Filed as: MICHAEL FISHER | 1540 SOUTH FAIRFAX AVENUE, UNIT 8 LOS ANGELES, CA 90019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.57% |
| JOANNA G MATHERLY3 Filed as: JOANNA PEOPLE | 2000 GLEN ECHO ROAD, SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.16% |
| MJ INSURANCE3 Filed as: MARGARET VAIL AND VARIOUS AGENTS | 320 NORTH HALSTEAD PASADENA, CA 91107 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.16% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 136 | $1.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 236 | $119K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 225 | $15K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 173 | $47K |
| Short-term disability | AFLAC | 55 | $29K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 136 | $1.5M |
| Other(3 contracts, 3 carriers) | AFLAC | 173 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.